The annual interest rate of the loan within five years (including five years) is 2.75%, and the annual interest rate for more than five years is 3.25%. If the loan term is within 1 year (including 1 year), the contract interest rate shall be implemented. If the loan term exceeds 1 year, in case of adjustment of the national legal interest rate, it will be implemented according to the corresponding housing provident fund loan interest rate grade from 2024.
The monthly repayment amount of the borrower's total loan shall not exceed 50% of the family's monthly income and shall not be less than 30% of the family's monthly income. If the repayment amount exceeds 50%, it can be handled by extending the loan term, reducing the loan amount or providing other income certificates, and other income needs to provide normal tax payment certificates when necessary; If the repayment amount is less than 30%, the loan term should be shortened.